Consultant for small businesses and entrepreneurs : • Business plan writing. • Identifying state and regional alternative lending sources. • Assist in the development of lending proposals. • Provide direction in budget creation, planning and analytical tools. • Teach the interlinking and interpretation of key financial statements.

• Caregiver and patient advocate for aging family members.

Underwriter for a $6.8 million dollar venture fund with investments made in small business located in distressed rural North Carolina counties. Successfully originated and closed $4.5 million in investments. • Responsible for due diligence, credit analysis,underwriting and investment committee approval.‌• Partnered with banks, SBA 504 and rural USDA and NCIF lending programs.‌• Managed the loan documentation and closing process.‌• Negotiated loan restructuring and workouts.‌• Created policies and procedures to codify the all aspects of the internal fund processes. ‌• Business development initiatives.‌

Loan and investment underwriting consultant for the non-profit sector. Underwrote venture capital investments as well as small business loans including SBA-504 loans as well as loans for all of the USDA small business programs. Responsible for due diligence, credit analysis,underwriting and investment committee approval. In excess of $4.0 million in funds placed. Clients included:• North Carolina Rural Economic Development Center - Raleigh, NC• Neuse River Development Authority (now Business Expansion Funding Corp - East) - New Bern, NC • East Carolina Development Center - Beaufort. NC

Responsible for developing risk management policies, procedures and reporting in the management of credit, market and legal risks associated with commodities energy trading and vendor/supply risk. ‌• Credit analysis and management responsibility for 50 key global credit exposures totaling $1B in credit exposure limits.‌• Created and implemented credit policies for limit setting, legal documentation, reporting and system integration for domestic and international business units.‌• Central oversight of credit related trading risk in domestic operations.‌• Monthly reporting and presentation to Corporate Risk Management for all global credit exposures.‌• Quarterly reporting to Board of Directors.‌

Established and managed the Credit Review function responsible for the independent oversight of the capital markets and and asset management functions. Responsible for team formation, policies and procedures as well as reporting and controls.

Established and managed teams responsible for the credit analysis of Investment Banking and Fixed Income counterparties.

Manager of municipal bond counterparty credit risk.